No matter how quick you are, or how angry you are, driving can be pretty dangerous. Even though not everyone is airdropping their muscle cars out of a cargo plane to use their grapple guns on an armored war-bus, on average, around 34,000 people die due to a motor vehicle accident every year in the US.

Since almost every eligible driver in the country drives, an insurance carrier isn’t going to raise everyone’s prices simply because driving is dangerous, but they do look closely at moving violations, license suspensions, and other vehicular incidents in order to screen applicants who have a particularly high chance of being hurt or killed in car accidents.

What Insurers Look For

When a person applies for life insurance, the carrier will request a Motor Vehicle Record (or MVR, for short) which will contain information about several different types of vehicle-related incidents. That list includes:

  • DUIs
  • Reckless driving
  • Speeding
  • Accidents, as well as information about who was at fault
  • License suspensions and revocations
  • Vehicular crimes, such as a hit-and-run, vehicular manslaughter, and vehicular assault.
  • Moving violations
  • Dangerous vehicles owned, like motorcycles
  • Parking tickets, failure to yield, and other minor infractions.

Most insurance carriers use a point system that weighs different infraction types according to their severity and the time that has elapsed since the incident. It’s easy to think of it like getting a letter grade at school. For example, something minor like being in an accident a few years ago only makes you lose one or two points, while something like having multiple DUI’s within the last 5 years could carry enough points to knock you down a “letter grade” and raise your risk class.

While things like minor accidents and parking violations won’t increase your risk class on their own, they can push you over the edge from a “B-” to a “C+” if you’re just a few points away.

A Few Examples

Dom Toretto is a 35-year-old male who is looking for $500,000 in coverage. He’s perfectly healthy, and as far as most people know, he leads a pretty normal civilian life, so he would have normally received a Preferred Plus rating, putting his price at $251.04 annually.

However, he received a violation for traveling over 30 mph above the speed limit a few months ago. His driving record check discovered this violation, which bumped him down to Standard rate classes. His final price after his approval was $506.47 annually – just about double his original cost.


Luke Hobbs is a 40-year-old male DSS agent who’s also in peak physical condition. However, he’s been chasing down some daring criminals, and has gotten into a few accidents during the hunt. One accident last year wasn’t his fault, but he was to blame for one crash three years ago.

Luckily, these fender benders won’t affect his price due to his lack of fault and the time elapsed since the accident he was at fault for. For his $1,000,000 policy, he’ll still be able to pay the Preferred Plus price of $604.35.


The bottom line is that the severity of any driving incidents on your record will have the greatest impact on your final price, which will be tempered based on the amount of time since they happened. Since different carriers use slightly different guidelines for evaluating the final price of a policy, an independent agent from Quotacy will be able to find the plan that best matches what you need.

You can find the baseline price of a policy using our online quote tool to get an idea of how much you’ll be paying based on a few basic lifestyle questions. If you decide to apply through us, your Quotacy agent will be able to walk you through how carriers will look at your driving history so you can make an informed decision about the plan you’d like to pursue.


Photo Credit to Austin Kirk


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